Well, where a person has not been baptized, but dies, he will go on to be with Christ, as he was saved---all without being dunked.
I pointed that out. A good example of this is the thief on the Cross who repented before Jesus. He wasn't baptized. He was moments away from death.
This was someone, despite everything, at the last minute submitted himself fully to God even though his life was right about to end, and Jesus promised him salvation. Who can argue against God's mercy.
However, how about those who do have the chance to be baptized, who CAN be baptized but don't -- are they taking advantage of God and treating baptism as just some nice thing to do? Were we not commanded to go and be baptized?